We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 5162 results
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Decision Reference DRN-2475276
4 Feb 2021 Advanced Payment Solutions Limited UpheldConsumer CreditDRN-2475276 The complaint Miss D says Advanced Payment Solutions Limited trading as Cashplus lent to her irresponsibly. She says that Cashplus didn’t check if the loans were affordable for her. If it had done it wouldn’t have lent to her. What happened This complaint is about 18 payday (i... (5 pages)View decision -
Decision Reference DRN9260897
28 Jun 2019 PDL Finance Limited UpheldBanking and creditMiss G complains that PDL Finance Limited, trading as Mr Lender, lent to her irresponsibly.backgroundI attach my provisional decision dated 20 June 2019, which forms part of this final decision and should be read in conjunction with it. In my provisional decision I ex... (5 pages)View decision -
Decision Reference DRN-3315546
1 Mar 2022 XTB Limited Not upheldInvestmentsDRN-3315546 The complaint Mr T complains that XTB Limited failed to protect him from incurring significant losses on his trading account. He feels it should have recognised that he’d developed a problem and taken steps to restrict his account. What happened Mr T opened his Contracts for Di... (4 pages)View decision -
Decision Reference DRN-4169691
7 Feb 2024 IG Index Limited Not upheldInvestmentsDRN-4169691 The complaint Mr P complains that IG Index Limited trading as IG allowed him to open a spread-betting account despite him asking it to prevent him from doing so some years before. He says he suffered financial losses as a result. What happened Mr P has had a spread-betting acco... (4 pages)View decision -
Decision Reference DRN2282344
5 Mar 2021 Greenlight Credit Ltd UpheldBanking and creditMiss H complains that Greenlight Credit Ltd (trading as Varooma) lent to her in an irresponsible manner. background The background to this complaint was set out in the provisional decision I issued in February 2021. An extract from this is attached and forms part of this final decision, so... (5 pages)View decision -
Decision Reference DRN6982917
17 May 2021 Capital One (Europe) plc Not upheldBanking and creditComplaint Mr S complains, in summary, that Capital One (Europe) plc did not do enough to help him recover all the money he had paid to an investment trading platform using his Capital One Mastercard credit card. Background After receiving a call from an entity offering investment trading, ... (4 pages)View decision -
Decision Reference DRN7669486
2 Jun 2017 Evergreen Finance London Ltd UpheldBanking and creditMr C has complained about loans granted to him by Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat” or “the lender”).backgroundThe background to the complaint was set out in my provisional decision dated 28 April 2017, a copy of which is attached ... (4 pages)View decision -
Decision Reference DRN5645987
15 Jul 2016 Express Finance (Bromley) Limited Not upheldBanking and creditMr C complains that Express Finance (Bromley) Limited, trading as Payday Express, shouldn’t have lent to him in 2012. backgroundMr C took out a ‘running account credit’ loan with Payday Express in July 2012. This worked in a different way from a payday loan – it had a ... (2 pages)View decision -
Decision Reference DRN-4768772
14 Jun 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4768772 The complaint Miss B has complained Monzo Bank Ltd lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2021 Miss B was told by Monzo that they were closing her account. They also lodged a fraud-related marker on her record with CIF... (2 pages)View decision -
Decision Reference DRN3554703
15 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc (NatWest) treated him unfairly by closing his two personal current accounts and his savings account.backgroundOn 19 March 2019, NatWest sent a letter to Mr B. The letter listed his two current accounts held solely in his name, his savings a... (2 pages)View decision
